Showing 61 - 70 of 2,411
There is a growing body of evidence that interest rate spreads in Africa are higher for big banks compared to small banks. One concern is that big banks might be using their market power to charge higher lending rates as they become larger, more efficient, and unchallenged. In contrast, several...
Persistent link: https://www.econbiz.de/10011972611
The article relates to the attractiveness of FX housing loans for households which led to over increase in EU countries. Results of comparative analysis conducted for Poland, Austria, Romania and Hungary indicates that actions taken by the supervisory bodies dedicated to demand indicators...
Persistent link: https://www.econbiz.de/10011899962
The idea behind the methodology proposed in this paper is to show the utilities that it can offer, a software tool to make recommendations to the banking users when making a claim against a bad practice from their banks or wish to make an inquiry in order to ascertain the chances of a favorable...
Persistent link: https://www.econbiz.de/10011890393
The paper contributes to the ongoing discussion about appropriate policies towards banks when economic growth is lagging. Whereas the European Commission and representatives of the German government argue that strict banking regulation harms economic growth, the comparison between Europe and the...
Persistent link: https://www.econbiz.de/10011631269
Ensuring liquidity is critical for the functioning of banks. This study investigates the functional form of bank profitability and liquid asset holdings. We test for an inverted Kuznets curve-shaped quadratic polynomial relationship using generalized least square regression on an unbalanced...
Persistent link: https://www.econbiz.de/10014581559
The study investigates the relationship between monetary policy and bank profitability in New Zealand using the generalized method of moments (GMM) estimator. Our sample comprises 19 banks from New Zealand over the period 2006-2018. Our results suggest that an increase in short-term rate leads...
Persistent link: https://www.econbiz.de/10012239485
The lack of portfolio granularity in terms of exposure has been shown to have important implications for the amount of a financial institution's economic capital. Based on a numerical simulation model, we provide concrete examples of how granularity affects capital levels. We achieve this by...
Persistent link: https://www.econbiz.de/10012101497
This paper reviews the cost-benefit analysis, or “regulatory impact analysis” (RIA), in US bank regulators’ risk-based capital (RBC) rule proposals. We review the principles of cost-benefit analysis and its application by US bank regulators. We provide a brief background on RBC rules and...
Persistent link: https://www.econbiz.de/10012417012
This study explores the effect of regulatory governance on financial stability using cross-sectional data from 55 countries. The findings show that regulatory governance and various subcomponents of regulatory governance are positively correlated with financial stability in the selected...
Persistent link: https://www.econbiz.de/10012806000
We investigate if the Bank of England's liquidity facilities encourage some counterparties to participate more than others and if the use of some collateral assets is promoted more than others. Between 2010 and 2016, there was regular usage of two facilities: Indexed Long-Term Repos (ILTR) and...
Persistent link: https://www.econbiz.de/10012802243